What is the current Regions Bank CD rate?

As of June 2026, Regions Bank standard CD rates range from approximately 1.00% to 2.50% APY. When Promotional CDs are available, rates can reach 3.75–4.25% APY on select terms. Promotional availability varies by branch location and time period. Check regions.com or visit a local branch for current offers in your area.

What is the minimum deposit for a Regions Bank CD?

Regions Bank requires a minimum deposit of $500 for most standard CDs. Some promotional CDs may have different minimums. The $500 minimum is lower than KeyBank ($2,500) and Wells Fargo ($2,500) but higher than online banks like Ally and Capital One, which have no minimum.

What is the early withdrawal penalty on Regions Bank CDs?

Regions Bank's early withdrawal penalty is typically 90 days of interest for CDs with terms under 12 months and 180 days of interest for terms of 12 months or longer. These penalties are standard for a regional bank. Regions does not offer a no-penalty CD, so plan carefully before committing funds to a term.

Where does Regions Bank operate?

Regions Bank operates approximately 1,300 branches across 15 states in the South and Midwest — including Alabama, Arkansas, Florida, Georgia, Illinois, Indiana, Iowa, Kentucky, Louisiana, Mississippi, Missouri, North Carolina, South Carolina, Tennessee, and Texas. Regions does not operate in the Northeast, West Coast, or Mountain West.

Regions Bank CD Rates 2026 — Terms, APYs, and How They Compare

Regions Bank CD rates range from approximately 1.00% to 4.25% APY in June 2026, with competitive rates available only through promotional offers on select terms. Regions is one of the largest banks in the South and Midwest, with approximately 1,300 branches across 15 states — making it the dominant traditional bank for many customers from Alabama and Mississippi to Tennessee and Texas.

Rates shown are as of June 2026 and change frequently. Verify current rates at regions.com or at a local Regions branch. Promotional rates are not always available.

Regions Bank CD Rates by Term (June 2026)

Term	Standard APY	Promotional APY (when available)
3 months	1.00–1.50%	3.50–3.75%
6 months	1.25–1.75%	3.75–4.00%
12 months	1.50–2.25%	4.00–4.25%
18 months	1.50–2.00%	3.75–4.00%
2 years	1.25–1.75%	3.50–3.75%
3 years	1.00–1.50%	3.25–3.50%
5 years	1.00–1.25%	3.00–3.25%

Promotional CDs at Regions require a new deposit and are offered for limited periods. Availability may differ between branches and online.

How Much Can You Earn?

On a $10,000 deposit at Regions’ approximate promotional 12-month rate of 4.13% APY:

After 12 months: ~$10,413 ($413 in interest)

At Regions’ standard 12-month rate of 1.88% APY:

After 12 months: ~$10,189 ($189 in interest)

Promotional vs. standard rate difference: approximately $224 on $10,000 per year. On the $500 minimum, that’s a $11 difference — but the gap becomes more impactful as your deposit grows.

Early Withdrawal Penalties

Term	Penalty
Less than 12 months	90 days of interest
12 months or more	180 days of interest

If you open a 12-month CD at 4.13% APY with $10,000 and withdraw after 6 months, you’d earn approximately $207 but forfeit 6 months’ worth — coming out at $0 net. The math of early withdrawal at Regions punishes most at the midpoint of the term. Hold to maturity.

Regions Bank vs. Online Banks (Southern States Residents)

	Regions (Promo)	Regions (Standard)	Ally Bank	Capital One 360
Best 12-month APY	~4.13%	~1.88%	~4.50%	~4.45%
Minimum deposit	$500	$500	$0	$0
In-person branches	Yes (15 states)	Yes	No	No
No-penalty CD	No	No	Yes	No
Promotion required	Yes	No	No	No

Regions’ $500 minimum is lower than KeyBank and Wells Fargo, making it more accessible for smaller depositors. Still, online banks consistently beat Regions’ rates without requiring a promotional window — and with no minimum at all.

Regions Now Banking App

Regions has invested significantly in its digital banking platform. Existing Regions customers can open CDs directly through the Regions Now Banking app without visiting a branch. However, promotional CD rates are sometimes only available through branch visits — confirm whether the offer is available online before making an appointment.

CD Renewal at Regions

Regions CDs automatically renew at maturity into the same term at the standard rate. The grace period is 10 calendar days after maturity. Promotional CD customers should watch their maturity date carefully — the renewal rate will typically be the standard rate, not the promotion. Review your options 30 days before maturity.

Who Should Open a Regions Bank CD?

Best for:

Existing Regions customers in the 15-state Southeast/Midwest footprint
Savers with $500+ who can time a deposit to a promotional offer
Those who value in-person service for large deposit management

Consider alternatives if:

No promotional rate is currently running (standard rates are well below online banks)
You want no minimum deposit (Ally, Capital One)
You need a no-penalty option for uncertain timelines

Written by WealthVieu

WealthVieu researches and writes data-driven personal finance guides using primary sources including the IRS, Bureau of Labor Statistics, Federal Reserve, and Census Bureau.

The content on Wealthvieu is for informational purposes only and should not be considered financial, tax, or investment advice. Consult a qualified professional before making financial decisions. Full disclaimer · Editorial policy